At present, there are many insurance products on the field, and all kinds of products for children's insurance are the focus of parents, especially children's accident insurance. As the first choice and necessary insurance for children, the maximum amount of insurance for children's accident insurance is 100,000. Why? Learn with the insurance network.
Insurance experts said that according to the Insurance Law and related insurance regulations, parents are insured for underage children, and life insurance with death as the payment condition. If the total amount of payment exceeds 100,000, it is limited to 100,000. Therefore, accident insurance with death responsibility is also subject to a limit of 100,000. That is to say, the death insurance amount that parents have purchased for their children has reached 100,000, and they can buy more and cannot get paid. Of course, it is also stipulated that the aviation insurance premium is not subject to this limit.
Insurance industry insiders said that the purpose of doing so is to prevent some moral hazard. If there is no such quota, I am worried that some parents will be maliciously insured because of the high amount of compensation.
General children's accident insurance covers insurance coverage such as accidental death/disability/disease, accidental injury clinic, accident or hospitalization of illness, and many parents have adopted child accident insurance to prevent risks and prevent children from growing up ahead of time. Various risks in the process.
When purchasing accident insurance, you should be careful not to miss the protection of common accidents such as burns, burns, falls, and foreign bodies in the trachea. The more comprehensive the better. Here, the insurance network Xiaobian recommended a child insurance for 8 yuan - history with bear child insurance. The product guarantee responsibility is simple, to protect the bear child's accidental injury and third party responsibility, one only needs 8! Provides double protection for 1-17 weeks of underage child accidents and third party liability. If you are interested, you can also directly access the insurance network official website, and there are more insurance products waiting for you to choose.
For example, Mr. Wang took a three-week son to go shopping in the mall during the weekend. During his own clothes trial, he did not notice that the naughty son was fighting for a toy with a child he did not know, and he was pushed to the ground by the competition. The two disputes occurred, and the other party called 110 to report the claim. The other parent took the child to the hospital to diagnose the ankle sprain and spent nearly two thousand medical expenses. Fortunately, Mr. Wang spent 8 yuan on the insurance network to insure his child a bear child insurance. Therefore, the insurance company paid the loss for Mr. Wang according to the documents issued by the public security department and the hospital.